Bonds and a Credit Limit Increase

I decided I was sick of getting a measly 1.4% interest on my savings so I put $200 worth of my emergency fund into a GNMA bond fund available at Schwab. This will satisfy me for now while I do some more research. Bonds are a little more complicated and thus far I've stayed away because I haven't wanted to take the time to educate myself and understand. I do understand the value fluctuates as well as the earnings on them, so that's part of the complication. Now that I think about it, I don't really understand how stocks work either, except that most people have to stash either a huge portion of their income in other more conservative investments OR they can rely on stocks (single companies or stock funds) to get where they need to be in retirement. I'm in boat B, saving what I feel comfortable saving but realizing that I need to take on the riskier investments to optimize my chances of success. And I'm comfortable with that. I realize I don't quite understand them, and the value may fall, but if I wait long enough and diversify well enough, eventually I will bounce back.

Onto the credit limit. Penfed just waived a $13k credit limit in front of me. I took it. I expected it to show my revised $20k credit limit immediately but it hasn't shown up yet. I thought since I was pre-approved, it was automatically applied if I accepted it. We'll see. I also took the opportunity to change my address so I hope that didn't mess things up. I don't need the extra room apart from the fact that my overall utilization these days is somewhere around 25% because I moved my car loan to a credit card. This would help bring the utilization level down a few notches.